Our Client

The client is a leading Canadian commercial and specialty insurance carrier offering tailored coverage across industries such as construction, manufacturing, assisted living, cyber risk, and general liability. Operating through a well-established broker network, the insurer is recognized for its industry-specific expertise, specialized underwriting capabilities, and proactive approach to risk management.

With an aggressive product expansion strategy and an increasingly competitive marketplace, the organization sought to modernize its product delivery capabilities to bring new offerings to market faster while maintaining the quality and governance expected in a highly regulated industry.

Industry Trends

Commercial insurers are under increasing pressure to launch products faster while responding to changing regulations and customer expectations. To remain competitive, insurers are increasingly:

• Automating product engineering across the SDLC
• Leveraging insurance AI automation for requirements, configuration, and testing
• Reducing dependence on specialized platform expertise
• Embedding governance into AI-assisted workflows
• Improving lifecycle visibility and traceability

Challenges

The insurer faced several challenges that slowed product delivery and limited business agility.

• Lengthy product rollout cycles: Launching new commercial and specialty products required six to eight months, making it difficult to respond quickly to market opportunities or regulatory changes and limiting the organization's competitive position.
• Highly manual development lifecycle: Critical software development activities, including requirement analysis, Duck Creek product configuration, and test design, were performed almost entirely manually, resulting in significant effort, slower delivery, and increased operational overhead.
• Heavy dependence on specialized expertise: The insurer's Duck Creek implementation had been extensively customized to support the Canadian insurance market. As a result, product configuration relied heavily on a limited pool of subject matter experts, creating knowledge bottlenecks and reducing scalability.
• Limited development efficiency: Manual handoffs across business analysis, configuration, and testing introduced delays throughout the software development lifecycle, making it difficult to consistently accelerate product delivery without increasing resource requirements.

Collectively, these challenges slowed innovation, constrained business growth, and limited the insurer's ability to execute its strategic product expansion plans.

LTM's Solution

LTM embedded specialized AI agents across the insurer's software development lifecycle to automate product engineering while maintaining human validation.

• Multi-channel requirement intake: The platform captured and classified requests from emails, requirement documents, call center transcripts, and other business inputs, routing them to the appropriate AI agents.
• Intelligent requirement extraction and classification: AI-powered agents extracted and categorized information from structured and unstructured documents to accelerate downstream development activities.
• AI agents aligned to SDLC roles: Dedicated Business Analyst, Configuration, and QA agents generated user stories with proper acceptance criteria, Duck Creek manuscripts, and comprehensive functional test cases with contextual test data.
• Human-in-the-loop governance: The solution enables smooth collaboration between humans and agents to ensure every AI-generated output is validated through a human-in-the-loop review process before implementation.
• Context-aware intelligence: The solution embedded insurance domain expertise, Duck Creek product knowledge, and client-specific implementation context to produce accurate, business-relevant outputs.
• AI observability: The solution delivered end-to-end visibility across the AI lifecycle with traceability dashboards that monitored performance, accuracy, drift, fairness, and operational effectiveness.

Business Benefits

The AI-enabled product engineering solution delivered measurable improvements across the insurer's software development lifecycle.

• Reduced product rollout timelines by 20%, enabling faster introduction of commercial and specialty insurance products.
• Saved more than 1,000 hours of configuration effort for each product rollout through intelligent automation.
• Improved test coverage by 15% using comprehensive AI-generated functional test cases.
• Reduced manual effort across business analysis, product configuration, and testing activities.
• Minimized reliance on specialized Duck Creek expertise by embedding platform and domain knowledge into intelligent AI agents.
• Increased development consistency through standardized workflows, automated orchestration, and human-governed AI execution.
• Improved lifecycle visibility and governance with end-to-end observability and traceability across AI-assisted software delivery.

Conclusion

With agentic AI transforming the Duck Creek software development lifecycle, LTM helped the insurer shift product engineering from a manual, resource-intensive process to a faster, more intelligent, and highly governed delivery model. The initiative accelerated product launches, reduced operational dependencies, and established a scalable foundation for future innovation, positioning the insurer to respond more quickly to evolving market demands.